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-   -   ssdi to ssi? will I get less? (https://www.neurotalk.org/social-security-disability/188353-ssdi-ssi.html)

karilann 05-11-2013 06:45 PM

ssdi to ssi? will I get less?
 
Anyone know what happens to the monetary amount when you transition from disability payments to regular social security at age 62? It always appeared that disability payments were higher.,

LIT LOVE 05-11-2013 10:57 PM

It converts from SSDI to SS retirement at age 65+ depending on your age.

http://www.ssa.gov/retirement/1942.html

There is a reduction in SS if taken at 62, but it would be very rare for someone to lose benefits at age 62, so unless your condition has improved there would be no reason to convert early. You'd wait for a Continuing Disability Review, unlikely to even happen btw, and once SSDI benefits were terminated you still receive 90 days transition benefits, and could apply for SS retirement at that point.

In otherwords, do nothing, and you shouldn't see a reduction in benefits. If receiving half of your spouses benefits when you turn retirement age would be more than your SSDI, you might want to look into that, but that would be rare I'd think?

Mz Migraine 05-13-2013 03:31 PM

Quote:

ssdi to ssi?
Just to clarify, those on SSDI who reach their retirement age, the benefits do not get reduced to SSI (Supplement Security Income) which is welfare type benefits.
SSDI will NOT be reduced. Depending on your retirement age, you will be given an option......
Either take the regular SS benefits or keep your SSDI amount. The SSDI is higher than the regular SS benefits.

I am currently 63 receiving SSDI. I never received anything from them when I was 62 asking if I wanted to collect early. My "official" retirement age is 66. I will elect to collect the SSDI amount as it is more than just regular SS (retirement).

cherry33778 05-16-2013 03:30 AM

I agree with MZ. With what I read there is no "transition" from SSDI to SSI.


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